Alabama Cosmetology Insurance

Cosmetologists practicing in the state of Alabama cover a variety of beauty services, including make-up styling, nail artistry, coloring and treating hair, barbering, salon services, esthetics, and more. The overall goal of these services is to help your client leave his or her appointment feeling more confident and beautiful.

Although this outcome is not always 100% guaranteed. Accidents can happen—especially, in this profession.

What does cosmetology insurance cover?

Professional liability (or malpractice): protects a cosmetologist both legally and financially. For example, a client could file a lawsuit against you claiming you made a professional mistake, in which your service caused financial or emotional distress. For example, if a skincare or hair treatment went wrong and caused damage to the client’s skin or hair, the injured customer could potentially bring a lawsuit against you or your business claiming bodily injury from burns, emotional distress, and/or loss of income.

General liability(or slip-and-fall scenario): protects your business and reputation—between the products you supply to your customers and the environment in which you run your business. A lawsuit brings a significant risk of negative exposure that could lead to a downfall in both your reputation and your business. For example, a client steps on dry hair, a slippery floor, or slippery product residue, and falls to the floor. Since the incident was caused by your slippery floor, the injured client could make a claim for the damages he or she suffered.

Alabama Cosmetology FAQs

Do I have prerequisites to complete?

If you are at least 17 years old and have completed at least a 10th grade education, you are eligible to obtain a cosmetology license in the state of Alabama.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,500 school hours or 3,000 apprentice hours in 3 years and pass both written and practical exams.

Do I need a license to be a cosmetology instructor?

Yes, you will need to have completed at least a 12th grade education, one year in practice, and a 650-hour teacher training course along with passing the exams.

Does the state of Alabama require me to complete continuing education units (CEUs)?

Yes, eight CEUs are required for renewing a master license, and 16 CEUs are required for renewing an instructor license.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two odd-numbered years during the applicant’s birthday month—along with a $80 dollar fee.

Moving to Alabama from another state?

No problem, just make sure you submit a current state certification, complete the appropriate paperwork. and pass the necessary exams.

Why carry cosmetology insurance in the state of Alabama?

Having to worry every day about common circumstances that could lead you and your business into a financially-draining lawsuit can lead any professional cosmetologist into days of biting their nails in stress. Fortunately, there is a simple solution to this problem.

Carrying the appropriate liability insurance can save you from these stressful days. Due to the variety of services the cosmetology industry provides, even the most experienced beauty professional can make a mistake. The risk of accidents happening in the cosmetology industry will never cease and lawsuits do happen. But, choosing the appropriate coverage would be a financially-wise decision for both your reputation and your career as a beauty professional.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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